The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$37,220
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$38,378
−HK$1,176/mo
Today · 4.125%
HK$39,554
baseline
▲ 0.50% · 4.625%
HK$41,961
+HK$2,407/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$79,108/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$612,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,407
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$42,518
−HK$1,126/mo
Today · 4.125%
HK$43,644
baseline
▲ 0.50% · 4.625%
HK$45,945
+HK$2,301/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$87,288/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$612,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,664
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$46,053
−HK$1,412/mo
Today · 4.125%
HK$47,465
baseline
▲ 0.50% · 4.625%
HK$50,353
+HK$2,888/mo
Deposit HK$6.53M · loan HK$9.79M · min. income ≈ HK$94,930/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$612,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,688
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$51,021
−HK$1,352/mo
Today · 4.125%
HK$52,373
baseline
▲ 0.50% · 4.625%
HK$55,134
+HK$2,761/mo
Deposit HK$6.53M · loan HK$9.79M · min. income ≈ HK$104,746/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$612,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,108
−HK$3,268/mo
▼ 0.25% · 3.875%
HK$53,729
−HK$1,647/mo
Today · 4.125%
HK$55,376
baseline
▲ 0.50% · 4.625%
HK$58,745
+HK$3,369/mo
Deposit HK$4.90M · loan HK$11.43M · min. income ≈ HK$110,752/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,970
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$59,525
−HK$1,577/mo
Today · 4.125%
HK$61,102
baseline
▲ 0.50% · 4.625%
HK$64,323
+HK$3,221/mo
Deposit HK$4.90M · loan HK$11.43M · min. income ≈ HK$122,204/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,996
−HK$4,201/mo
▼ 0.25% · 3.875%
HK$69,080
−HK$2,117/mo
Today · 4.125%
HK$71,197
baseline
▲ 0.50% · 4.625%
HK$75,530
+HK$4,333/mo
Deposit HK$1.63M · loan HK$14.69M · min. income ≈ HK$142,394/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$612,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,533
−HK$4,026/mo
▼ 0.25% · 3.875%
HK$76,532
−HK$2,027/mo
Today · 4.125%
HK$78,559
baseline
▲ 0.50% · 4.625%
HK$82,700
+HK$4,141/mo
Deposit HK$1.63M · loan HK$14.69M · min. income ≈ HK$157,118/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$612,105 · Scale 2, in force from 26 Feb 2026)